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Originally Posted by vsjhoc
I think they are not asking you if you "want" debit or credit. The store is asking you whether you have a debit card or a credit card, because they process them differently. I don't think the same card can function as either a debit or a credit card. (But I could be wrong. Happens all the time.  ) So it depends on what's in your wallet.
Debit card: acts like a check that clears instantly, so the money is taken out of your account immediately
Credit card: gets charged to your account immediately for payment later, depending on the due date for your account |
Thanks for the replies.
I have used the same card for both debit and credit. If I choose debit, I put in my pin number. If I say credit they have me sign. But both ways take the money out of my account that same day. I have checked on-line. This is the card that was issued by my bank for ATM use, if that makes any difference. It has a Visa logo on it. I've used it for years like this. I just wondered if there was any more protection by choosing one over the other.